PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M&I Bank of Beloit

Beloit, WI · Cert 19552

FDIC

Q2 1997

$148.6MAssets
$98.3MLoans
$115.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.03%, up 21 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 85.23% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.03%+21 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.03%0.98%1.11%0.82%0.86%0.76%1.05%1.03%+21 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)6.28%6.66%3.48%-4.08%-0.07%-2.80%0.74%10.08%+1,416 bps
Loan Growth (YoY)2.10%3.64%-9.59%-16.45%-11.98%-9.01%6.04%13.36%+2,981 bps
Deposit Growth (YoY)1.56%5.87%3.11%-1.63%2.37%-0.86%4.63%7.69%+932 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits93.30%87.46%80.81%80.96%80.22%80.27%81.90%85.23%+427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a